Home/Products & Services/Living Benefits
Living Benefits
Protect your family with additional insurance.
Health Insurance Products
Be better prepared to handle medical costs and out-of-pocket expenses that accompany unexpected health events.
Benefits are paid directly to you or someone you designate. There are no restrictions on how you use your benefit payment. It can be used to pay for everything from deductibles and copays to your rent or home mortgage, or groceries to feed your family.
Critical Illness Insurance
Critical illness insurance covers cancer, heart attack, stroke and end-stage renal failure. Plus, it can also cover conditions such as Alzheimer’s disease, blindness, paralysis, coma, transplant surgery or waiting list, amputation and deafness.
Accidental Death Insurance & Disability
Traditional life insurance is used by most people for their primary protection needs. Did you know that additional protection is available with Accidental Death Insurance at a much lower price? Accidental Death Insurance can be a cost-effective way to protect your family.
Hospital Indemnity Insurance
Hospital indemnity insurance complements your existing health insurance plan by paying you cash benefits when you’re hospitalized due to covered accidental injury or sickness. Coverage options include a daily hospital stay, day-one hospital admission, intensive care unit, emergency room visits and ambulance trips, among other choices.
What is a life settlement?
A life settlement allows you to sell your life insurance policy for a lump sum that’s more than the cash surrender value, but less than the death benefit. The buyer takes over future premiums and receives the payout when the insured passes away.
Typically individuals aged 65+ with a policy valued over $100,000.
If your policy is no longer needed or affordable, a life settlement can turn it into a valuable asset to support your retirement goals.
Benefits include
- More cash than surrendering the policy
- No more premiums on an unwanted policy
- Extra income to support retirement or long-term care
- Freedom to reinvest or donate proceeds
- Better access to healthcare options
Let RBI Financial Group help you unlock the hidden value in your life insurance policy.